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Richard when you think about inequality inequality in the UK and its a hot topic and you think about as youd like the banking sector to be decentralized flatter structure more resilient how do you begin to talk to the public or the political class about achieving those goals essentially you know if we want to produce something we need funding so there was a role for banks in almost everything thats happening in the economy but what exactly is that role adjust quickly Id like to reflect on that banks are being thought of as intermediaries but not really whats happening banks what are they theyre creators of the money supply so youre firmly of the view that banks create money out of thin air yes well I produced the first empirical studies to prove that in the 5,000 year history of banking banks are thought of as deposit-taking institutions that lend money the legal reality is banks dont take deposits and banks dont lend money so what is a depositor deposit is not actually a dep
